Growing families

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This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.

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Our Growing Family packages

Thinking about having a baby? With Medibank’s growing family packages you can choose a cover to suit your needs, preferences and budget, whether that's in a public or a private hospital. Note a 12 month waiting period applies to obstetric services - see FAQs.

Growing Family Core

Family cover for life's more common hospital treatments, but you don't want obstetrics or IVF services. You'll still enjoy some support during your pregnancy through your Extras cover.

from

payment frequency

Core Hospital

Public hospital (as a public patient) for the birth. Stay within your budget by excluding obstetrics cover and IVF

Hospital & Extras cover that lets you choose your own obstetrician, while giving birth in a public hospital as a private patient. It also provides a broader range of hospital services, like heart-related admissions and Extras cover that supports your pregnancy journey.

Your choice of a public or private experience

Wellness for mums and mums-to-be

Mums-to-be deserve all the support they can get! Which is why our extras cover on all of our Growing Family packages includes lactation consultations, birthing classes, remedial massage and even clinical pilates with a physio.

Icon Children Free

Peace of mind for the family

All currently available Medibank covers include unlimited emergency ambulance, cover for Accidents# and no excess for kids on any family membership.

Pregnancy FAQs

If you’re planning on starting or extending your family, it’s important that you’re aware there is a 12 month waiting period for obstetrics-related services that must be served before the baby is born. Remember babies can come early, so it’s important to take this into account when you start planning your family.

If you’re joining Medibank from another Australian health fund at the same level of cover or lower, you don’t need to re-serve waiting periods you’ve already served.~

Although private health insurance will cover part of your pregnancy, you should be aware that you will still have out-of-pocket expenses to pay. We recommend that you talk to your obstetrician, the hospital and us about what the costs might be.

Choosing where to have your baby is a big decision and you’ll need to make a call on the things that are most important to you. Maybe it’s having the full private experience (hospital and obstetrician), or it’s a time when budgets might be tighter.

Need a little extra help?

^Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits.

+Up to annual limits. Available on Growing Family and Settled Families covers for child and student dependants. Waiting periods apply including 12 months for some dental services. Members’ Choice providers are not available in some areas – ask us for details.

#Excludes claims covered by third parties such as Workcover. Cover only for Accidents that occur after join date. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

~Provided that you join Medibank within two months of leaving your previous private health insurance fund.

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If you are eligible for Medicare, the government may pay a percentage of your cover premium as a
rebate. This is called the Australian Government Rebate (AGR). Under the AGR, the rebate amount
depends on your age and income.

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This is your income for Medicare Levy Surcharge purposes which is different to your
"taxable income". For more information please visit privatehealth.gov.au. Please also
note the family income threshold is increased by $1500 for each dependent child
after the first.

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